Overseas Remittance Service Terms of Use (English)

Chapter 1 General Provisions

Article 1 (Scope of Application)

1. The following Terms of Use for Overseas Remittance Service (hereinafter referred to as the “Terms”) apply to our FinShot Co., Ltd. (hereinafter referred to as the “Company”) and the overseas remittance service provided by the Company as a funds transfer service provider (hereinafter referred to as the “Service”). This is a summary of the rights, obligations, terms of use, etc. between the service and the customers who use the service (hereinafter referred to as “Users”).

Article 2 (Service Provision)

The Company is a Type-2 funds transfer service provider, and the services we provide are as follows:

(1) This is an overseas remittance service that allows an overseas remittance recipient (hereinafter referred to as the “Recipient”) to receive the remittance funds that the user has requested from the Company and transferred using the method the user specified

(2) As stated in Article 21, this service is different from overseas transfer (foreign exchange transaction) based on The Banking Act, etc. and this service is an overseas remittance (foreign exchange transaction) based on articles related to funds payment (herein referred to as “Payment Services Act”) provided by a funds transfer company that received registration from the prime ministr office.

Article 3 (Remittance Limit)

The amount the Users can send overseas using our services are as follows:

(1) The maximum amount of remittance per transaction is 1 million yen (limit under the Payment Services Act)

(2) The annual cumulative remittance limit is up to 50,000 USD

Chapter 2 Account Registration

Article 4 (Registration application and establishment of usage contract)

1. Please register as a user before using the service.

2. Procedures to register as a user is as follows.
(1) Fill out (input) user information in the registration application form specified by the Company.
(2) Present identification documents (ID) using methods prescribed by the Company (upload or take a photo)
(3) Agree to the terms and apply for registration
(4) Approval of user registration will be through the Company’s prescribed processes
(5) When the user receives the registration approval notification (transaction initiation document), a contract (hereinafter referred to as the “Usage contract”) is established to repeatedly and continuously conduct foreign exchange transactions.

3. Users can only register as a user and conduct foreign exchange transactions (using overseas remittance services) with the Company using the individual name or corporate name that matches the identity verification documents.

4. If the Company determines that the user information is incorrectly written, and Users whose　registered names are different from their actual names may not receive legal protection or have their use of the service restricted.

5. If a user entered (input) false information or another person’s information, or submitted (upload) false identification documents (ID), or if the already registered information or submitted documents are found to be false, the Company may temporarily suspend provision of the service to the user or cancel the usage contract. Please note that the user will be responsible for any damage caused to the Company or a third party as a result of the aforementioned.

Article 5 (User information)

1. The Company will use Users’ personal information only for the purpose of fulfilling these Terms and providing services related to these Terms.

2. For the purpose of providing the Service, the Company may outsource a part(s) of it to a vendor and may need to provide user information to that vendor. However, our Company shall disclose the affiliated companies (vendor), purposes of provision, contents of the User information to be provided, etc. in advance, and shall obtain consent from Users.

3. If the User clearly expresses intention to refuse receiving advertising information of affiliated services, the Company will not send such against the User’s intention. However, the Company may send SMS and SMS URLs with usage instructions and service information for the convenience of using the affiliated services, and Users may delete their registration and refuse to receive information.

4. Users can check and change their personal information at any time from the Change Account Information screen.

5. By entering the User’s information in the Registration Application form and agreeing to these Terms, and the Personal Information Handling Policy, the User agrees to the Company’s collection, use, and provision of the information stated in the User application form according to the Terms.

Article 6 (Approval of User Registration/Service Use Application)

1. The Company will confirm that the User has correctly filled in all the necessary information on the User Registration Application form or the Overseas Remittance Service Application form prescribed by the Company, and will approve the registration or use of the Service. However, in the cases of Paragraphs 2 and 3, the Company may withhold or refuse the approval.

2. The Company company may withhold approval if any of the following applies:
(1) If there is any problem with the equipment and facilities
(2) If there is any system failure
(3) If unable to approve user registration due to other reasons deemed by the Company

3. The Company may not accept applications due to any of the following :
(1) If the amount is below the minimum or beyond the maximum remittance limits
(2) If a User name (or corporate name) is not the real name
(3) If applying using someone else’s name
(4) During application, if there are false statements in the required sections
(5) When a User subject to financial transaction restrictions applies
(6) Other cases where the service use application conditions set by the Company are not met

Article 7 (Exclusion of Antisocial Forces)

1. Users agree not to engage themselves, or their officer(s), to organized crime groups, members of organized crime groups, those who have ceased to be members of organized crime groups for less than five (5) years, associate members of organized crime groups, companies affiliated with organized crime groups, corporate racketeers, groups under the pretext of social campaigns and specialized in intellectual crimes, etc., other groups that are similar to these, and those that fall under any of the following categories (hereinafter referred to as “Organized crime group members”):
(1) Recognized as having a relationship with organized crime group members are controlling the management
(2) Recognized as having a relationship with organized crime group members that are involved in management
(3) Recognized as having a relationship with organized crime group members for illegal use, such as the purpose of gaining fraudulent profits for oneself, one’s own company, or a third party, or for the purpose of causing damage(s) to a third party
(4) Recognized as having a involvement in providing funds or benefits, etc. to organized crime group members
(5) An officer, or a person actually involved in management has a socially condemnable relationship with organized crime group members

2. Users agree not to engage in any of the following acts themselves, or through the use of a third party:
(1) Commit violent acts
(2) Unreasonable demands that exceed legal responsibilities
(3) Use of threatening language/actions or violence regarding transactions
(4) Spreading rumors, acting fraudulently or threatening to damage the credibility of the Company and/or interfering its businesses
(5) Any other acts similar to the preceding items

3. In the event of a violation of Paragraph 1 or Paragraph 2 above, the Company shall cancel the User’s account registration and cease providing the Service without any prior notice.

4. The Company shall not be responsible for any loss or damage to Users under the suspension of the Services due the preceding paragraphs (1-3).

5. If the Company faces any damage due to Paragraph 3, the User shall be obligated to compensate for the damage.

Article 8 (Suspension of Contract and Cancellation)

1. When a User wishes to cancel the usage contract, the User themselves or the person in charge of a corporation must apply for cancellation.

2. If a User engages in any of the following, the Company may temporarily restrict the Service, or cancel the usage contract.
(1) Stealing someone else’s service ID and password
(2) Intentionally obstructing service operation
(3) Registering a false name (or is different from the identity verification document)
(4) Sending a large amount of information or advertisement (spamming) for the purpose of interfering with the stable operation of the Service
(5) Spreading computer viruses, programs, etc. that can cause IT system malfunction or damages to information, etc.
(6) Using another person’s personal information, user ID and password for fraudulent use
(7) Reproducing, distributing, or using information obtained through the use of the Service without the Company’s prior consent
(8) Posting inappropriate content on the Company’s website or bulletin board, or linking it to inappropriate sites
(9) Also when there is a request for correction from external organizations such as relevant government agencies
(10) Not used the Service for a long time and does not express any intention to use within a specified period of time after receiving a reminder notification
(11) Being involved in money laundering, terrorist financing, etc., or any crime that is objectively determined
(12) Doing any other acts that violate related laws and regulations

3. However, if the Company determined that the usage should be stopped urgently due to any of the following, then the Service may be restricted subsequently.
(1) Unavoidable cases of repair work such as maintenance of service equipment
(2) If the main communications carrier suspended its telecommunications services
(3) In the case of services not directly provided by the Company but by using a third party such as a subcontractor and they suspend the service
(4) If there are other force majeure reasons
(5) The Company may restrict or suspend all or a part of the Service if normal service usage is disrupted due to the country’s state of emergencies, power outages, failures in equipment and facilities, or during high concentration of access to the service

4. If a User or his/her representative who received a notice of service suspension has an objection against the said suspension, an objection can be filed.

5. The Company will immediately lift the service suspension measures in place only if it confirms the reason for suspension of use has been resolved during that period.

6. If a User repeats the same act two times or more after the Company suspends or restricts their service use, and if the cause is not corrected within 30 days, or if there is a violation listed on Paragraph 2, the Company may terminate the usage contract.

7. If our Company terminates the usage contract, the account registration will also be deleted.

Article 9 (Change of User information)

1. Users can check and change their personal information at any time from the Change Account Information screen. However, the User’s full name (or corporate name), ID, etc. required for service management cannot be changed.

2. If there are any changes to the information entered at the time of registration, the User may either make the changes directly via the internet, or notify the Company of the changes by email or other channels.

3. If you do not notify us of the changes in Paragraph 2, the Company will not be responsible for any disadvantages caused to users as a result of this.

Article 10 (User’s obligations regarding User ID and Password management)

1. If the User ID is misused due to reasons attributable to the User, the responsibility will be theirs.

2. If the User becomes aware of the fact that his or her ID has been misused, they must promptly notify the Company of the incident and follow the instructions provided.

3. The Company shall not be liable for any damages caused by the User not notifying the Company of the incident as in Paragraph 2, or by failing to follow the Company’s instructions after reporting.

Article 11 (Provision of information to users)

The Company may provide users with information that is deemed important or useful regarding its services by e-mail or postal mail, telephone, etc. Users who do not wish to receive information may request the administrator to not receive such information.
(1) Remittance-related service information
(2) Information on events and functions, etc.
(3) Other services provided by the Company to Users from time to time

Article 12 (Account Registration Period)

The contract period for a registered account is two (2) years from the date which the Company approves the registration, and if there is no account deletion request from the member, the contract will be automatically renewed for two (2) years, and the same shall apply thereafter.

Chapter 3 Remittance Service

Article 13 (Designated Account)

1. The Company will only process funds from Users, deposited by them, to the account opened at a financial institution in the Company’s name (hereinafter referred to as the “Designated Account”), which was designated at the time of the Company’s registration (including change registration) as a funds transfer service provider.

2. The Company will post the information regarding the Designated Account in Paragraph 1 on the Company’s website etc., and will update it whenever there is a change.

Article 14 (Remittance Application)

1. Applications for remittance can be made on the website or through the dedicated app.
(1) Enter the remittance amount, preferred method (bank account deposit, cash pick-up, etc.) and recipient information correctly on the Company’s designated application form
(2) On the confirmation screen, check the remittance amount, currency, amount to be received by the recipient, applicable fees etc., then click Confirm
(3) The Company will send notification regarding processing of request and information on transfer of remittance amount (including fees)
(4) The Company will transfer the remittance amount to the Designated Account (foreign exchange transaction contract is established)
(5) The Company will send notification of receipt of remittance then approval of procedure
(6) The Company will send notification that the remittance process has been completed (deposit has been made to the overseas recipient’s bank account, etc.)

2. If inaccurate information is entered, the provision of services to the user may be restricted. Please note that the User will be responsible for any damages caused to the Company or a third party as a result of this.

3. In order to comply with related laws and regulations such as the Act on Prevention of Transfer of Criminal Proceeds (hereinafter referred to as the “Criminal Proceeds Prevention Act”), the Company monitors the status of customer service usage, etc. based on standards specified by the Company. If the Company deems it necessary, the Company may inquire about the purpose of the remittance, the relationship with the remittance recipient, the source of funds for the remittance, etc. using a method prescribed by the Company. Additionally, we may request you to submit documents that we deem appropriate to support the content.

4. As a result of the investigation set forth in Paragraph 3, the Company may change the amount that the customer is allowed to remit, suspend use of the international remittance service, or cancel registration.

Article 15 (Certificate of Receipt)

1. Once we confirm that the funds transferred from the customer have arrived at our designated bank account, we will issue a written receipt to the customer stating our company’s trade name, amount received, and date of receipt. I’m here. Furthermore, as our company provides remittance services through internet transactions, we will issue receipts via electromagnetic methods, including email, SMS, and push notifications, with the customer’s consent. Please save your receipt and bank transfer details.

Article 16 (Fees)

1. When the Company receives an application to use this service from a user, the Company will charge the fees (hereinafter referred to as “fees”) to be borne by the user, including the remittance fee per transaction, the actual remittance amount after deducting the fee, and the local receipt. amount and the applicable exchange rate to the user.

2. Our company will post information regarding fees on our website, etc., and will update it whenever there is a change.

Article 17 (Applicable exchange rate)

1. When the Company receives an application from a User to use the Service, the Company will provide the applicable exchange rate to the User.

2. The Company will post information regarding applicable exchange rates on the Company’s website, etc., and will update the information to provide the latest data.

Article 18 (Payment/receipt amount)

1. When a user who has applied to use this service deposits money into a designated account, the Company will deduct the handling fee, convert the amount into foreign currency, and remit it to the overseas recipient designated by the user.

2. When accepting an application from a user to use this service, the Company will inform the user of the yen-denominated remittance funds to be paid by the user, the foreign currency-denominated remittance amount to be received by the recipient, etc.

Article 19 (Time required for remittance)

1. When the Company receives an application from a User to use the Service, the Company will notify the User of the estimated time required for payment or receipt.

2. When using this service, the Company will post information regarding the estimated period required for payment and receipt on the Company’s website, etc., and will update and manage this information to the latest information.

Article 20 (Change/cancellation of remittance)

1. After applying for this service, users can apply for changes or cancellations to the Company by phone, online, messenger, etc. for unprocessed remittances, such as funds not being deposited into the designated recipient account. . However, you cannot apply for changes or cancellations for remittances that have already been processed and have already been deposited into the recipient’s account.

2. Users may not request the Company to increase or decrease the remittance amount after applying for remittance.

3. If the Company receives a request for change or cancellation from the User before the remittance application is completed, the Company shall process the relevant matter and notify the User of the results.

4. Changing or canceling a remittance may incur a cancellation/change fee.

Article 21 (Notification of remittance results)

When the remittance process is completed, such as when the remittance funds are successfully deposited into the recipient’s account, the Company will promptly notify the results to the contact information, etc. that the user pre-registered.

Article 22 (Disclosure and cancellation of service usage restrictions)

1. If Article 7 applies, and if the Company deems it necessary to restrict the use, the Company shall specify the reason, date, time, and period, and notify the person in advance of the use in writing, by telephone, or by using the message function of the website. or their representative.

2. The Company will explain to users whose logins and services have been restricted or suspended, and if the problem with the restriction or suspension has been resolved, the restriction or suspension may be lifted.

3. If there are multiple reasons for restriction/suspension, the restriction/suspension will only be canceled when all of the cancellation conditions are met.

Chapter 4 Other matters

Article 23 (Matters related to preventing misidentification with exchange transactions conducted by banks, etc.)

Users shall fully understand the following matters before using this service.
(1) This service is not a foreign exchange transaction conducted by banks, etc.
(2) This service does not allow the Company to accept deposits, savings, fixed deposits, etc. (referring to fixed deposits, etc. as stipulated in Article 2, Paragraph 4 of the Banking Act).
(3) This service is applicable under Article 53 of the Deposit Insurance Act (Act No. 34 of 1970, including subsequent amendments) or the Agriculture and Fisheries Cooperative Savings Insurance Act (Act No. 53 of 1973, a. ) Not subject to insurance payment under Article 55.

Article 24 (Performance Deposit)

1. Based on Article 43 of the Payment Services Act, the Company has deposited a performance bond with the Yokohama District Legal Affairs Bureau headquarters. Our performance bond calculation period is one week from the base date, and the deposit deadline is three business days (Sundays, Saturdays, holidays stipulated in the Act on National Holidays, January 2nd, January 3rd, and Decem2 The days up to the 31st of the month will not be included in the calculation, and if it exceeds one week, it will be counted as less than one week).
Pursuant to Article 59 of the same law, users have the right to receive payment in preference to other debtors (hereinafter referred to as the “right to claim refund”) for the debts incurred by our company in connection with foreign exchange transactions.

2. In international money transfer services, the right to claim a refund shall belong to the person making the money transfer until the money transfer recipient actually receives the money transfer. Once the recipient has received the remittance, the client cannot exercise the right to claim a refund.

Article 25 (Compensation for damages)

Compensation regarding this service, usage contract, fraudulent transactions, etc. will be handled in accordance with the internal regulations of the “Loss Compensation Policy.”

Article 26 (Disclaimer)

1. The liability that our company assumes regarding this service or usage contract, etc. shall be limited to the scope of the preceding article regardless of the reason, and our company shall not be liable for non-performance of obligations for any damage caused to users due to the following items: , tort liability, or any other legal cause of claim.
(1) In the event of a force majeure event such as a natural disaster, war, riot, or similar national emergency.
(2) If service usage is delayed due to reasons attributable to the user, such as provision of incorrect recipient information, etc.
(3) Failure of the user’s connection environment, such as a failure of the user’s equipment or a failure of the Internet connection service to the equipment for this service.
(4) Intrusion of a type of computer virus into the equipment for this service for which the virus pattern, virus definition file, etc. have not been provided by the third party regarding computer virus countermeasure software that the Company has installed from a third party.
(5) Unauthorized access or attack by a third party to the Service equipment, etc., which cannot be defended even with the care of a good administrator, or interception on the communication route
(6) If the Company has sufficiently performed the duty of care reasonably required, such as complying with the security system to prevent accidents.
(7) Damage caused by the user’s failure to comply with the security measures established by our company
(8) Damage caused by hardware that is not manufactured by our company among the equipment for this service.
(9) Damages caused by defects in telecommunications services provided by telecommunications carriers
(10) Accidents such as loss during transportation due to reasons not attributable to our company.
(11) In cases where the matter is related to the work of a subcontractor and there is no reason attributable to the Company, such as negligence.
(12) Other reasons not attributable to our company.

2. Our company is not responsible for any disputes that arise between users and third parties as a result of their use of this service.

Article 27 (Refund)

1. If the remittance process is not completed within 5 business days from the date on which the user applied for this service and deposited the remittance amount into the designated account, for reasons not attributable to the user, the user shall contact the Company. You can request a refund.

2. When the Company receives a refund request from the User as set forth in Paragraph 1, unless there are special circumstances, the Company shall refund the amount originally deposited into the User’s designated account and the amount falling under Article 23 (Compensation for Damages). If there is, the user will have to pay it.

Article 28 (Storage of transaction confirmation records, etc.)

Based on the Criminal Proceeds Prevention Act, etc., the Company shall retain transaction confirmation records and transaction records for 7 years.

Article 29 (Obligation to maintain confidentiality)

1. Our company collects all user information (hereinafter referred to as “user information”) obtained in the process of performing fund transfer operations, such as users’ personal information, account information, and materials related to the content and history of exchange (remittance) transactions with our company. ) will not be provided to a third party without the consent of the user, nor will it be leaked or used for purposes other than business purposes, except as stipulated by relevant laws and regulations.

2. If a violation of Paragraph 1 or theft or leakage of user information occurs due to reasons attributable to the Company, the Company will be liable for compensation to the affected user, but the Company will not be liable for any intentional or negligent actions. This does not apply if it is recognized that

Article 30 (Changes to Terms of Use and Issuance/Explanation)

1. Our company may change these Terms from time to time. When changes are made, we will notify you on our homepage and clearly state the terms and conditions when concluding a service-related contract with users.

2. The Company will provide the User with a copy of the Terms and Conditions by electronic document (including email), mail, direct delivery, or other method.

3. If a user requests an explanation of the contents of these Terms, the Company will explain the important contents of the Terms to the user in one of the following ways.
(1) Directly explain important details of the terms to users
(2) Explanation of important contents of the terms and conditions will be clearly explained to the user by e-mail or other means, and an expression of intention will be received from the user indicating that the user is fully aware of the relevant contents.

Article 31 (Governing law)

1. The governing law for transactions with our company is Japanese law.

2. These terms and conditions were written in Japanese. If there is a discrepancy in the interpretation of the translated version of these Terms and the Japanese version, the interpretation of the Japanese version shall prevail.

Article 32 (Agreed jurisdiction)

If a lawsuit arises regarding a transaction with our company, the district court or summary court that has jurisdiction over the location of our company’s head office will have exclusive jurisdiction in the first instance.

Chapter 5 Contact information

Article 33 (Inquiry counter, complaint handling measures and dispute resolution measures)
For inquiries and opinions regarding this service, please contact us below.

(1) FinShot, Inc. Customer Consultation Office
Postal address: 137-5 Yamashita-cho, Naka-ku, Yokohama-shi, Kanagawa Prefecture 231-0023

Customer Consultation/Customer Support Team
Telephone number: 050-3699-8256
Email: support_jp@finshot.co.jp

Complaint Handling Measures Consultation
Telephone number: 045-225-8255
Reception hours (weekdays) 10:00 am – 6:00 pm (excluding weekends, public holidays, year-end and new year holidays)

Based on the Payment Services Act, our company implements the following complaint handling and dispute resolution measures. For complaints and disputes regarding our funds transfer business, you can use the external organizations listed below.

(2) Dispute resolution measures

東京バー協会
6Fバー協会ビル
1-1-3 カスミガセキ、千代田区、東京100-0013

東京バー協会/ Dispute Resolution Center Telephone: 03-3581-0031
Dai-Ichi Tokyo Bar Association / Arbitration Center Telephone: 03-3595-8588
Daini Tokyo Bar Association / Arbitration Center Telephone: 03-3581-22